Workplace Injuries

Prompt workplace injury reporting can help save on the costs associated with workers' compensation injuries.

Injured Wrist

We offer our workers' compensation policyholders an innovative managed care program that provides quality medical care and attention to injured workers. We designed our program to help employers contain the costs of workers' compensation claims. Our goal is to streamline the process of reporting injuries.

Prompt reporting of all injuries involving outside medical treatment is critical to the claims management process. Any delay in reporting the claim directly affects the adjuster’s ability to properly investigate the loss and make the proper decision regarding the payment of statutory wage or medical benefits. Studies have found that claims reported two weeks after the injury cost 18 percent more than those reported earlier. Four weeks later and the costs almost double.

What you need to do if an employee is injured

Review the information in the workers' compensation packet that explains your options for referrals to doctors and medical facilities. Review your state requirements regarding employer involvement in medical care and required documentation.

The supervisor should accompany the injured employee to the doctor or medical facility and then accompany the employee back to work or home.

Stay in contact with your employee. If the employee is unable to work, you should call them frequently to ask how they feel and when they will see the doctor again. Remind them that many people care about their progress and want to see them recover and return to their job as soon as possible.

Offer light-duty tasks to help the employee return to work sooner. If the doctor releases your employee with restrictions, find light (modified or transitional) duty tasks for an early return to work.

What we do when an injury is reported

We complete the first report of injury and file the required forms with the state.

We fax or email a copy of the first report of injury to you and your agent.

If a claim involves lost work time, the claims adjuster will interview you, the doctor assigned to the case and the injured worker.